Many online tools use simplified inputs to generate a rough range. In practice, they usually try to approximate:
- Economic losses (funeral and burial costs; lost household support)
- Non-economic losses (the loss of companionship, care, and emotional impact)
- Sometimes a general multiplier for non-economic harm
For Albany residents, the most important takeaway is that these tools can’t reliably account for local facts that insurers and courts care about—especially when fault and causation are contested.
A better way to think of a calculator is as a prompt: it can remind you which categories may apply, so you know what to discuss with a lawyer. It should not be treated as a prediction of what an insurer will pay.


